The cheapest full coverage car insurance in Nebraska is $99, saving you $60 compared to the average cost of insurance in the state, which is around $159 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Nebraska, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Nebraska should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Auto-Owners stands out as the cheapest option for full coverage car insurance in Nebraska, with an insurance premium of $99 per month.
- Drivers in Nebraska with a clean record pay 42% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Nebraska is Lincoln, with an annual premium of $1,668.
- Nebraska drivers can save up to 38% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Nebraska?
Auto-Owners offers the cheapest car insurance rates in Nebraska for a full coverage policy with an average premium of $99 per month or around $1,193 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Nebraska by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Nebraska per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $99 |
| Nationwide | $101 |
| Shelter Insurance | $137 |
| Farmers Mut Ins Co of NE | $159 |
| Progressive | $164 |
| State Farm | $195 |
| Geico | $198 |
| Iowa Farm Bureau | $202 |
| Allstate | $218 |
| USAA* | $111 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Nebraska?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Nebraska drivers with clean records pay 42% less than drivers who have a DUI on their record.
- Nebraska drivers in their 20s pay 59% lower rates for insurance than a 16-year-old in Nebraska.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 22% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Nebraska
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Nebraska.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Nebraska
Nebraska requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Nebraska, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Geico | $242 |
| Auto-Owners | $255 |
| Progressive | $265 |
| Farmers Mut Ins Co of NE | $277 |
| Nationwide | $314 |
| Shelter Insurance | $345 |
| Iowa Farm Bureau | $360 |
| State Farm | $409 |
| Allstate | $602 |
| USAA* | $239 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Nebraska
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Nebraska, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Geico | $272 |
| Auto-Owners | $283 |
| Farmers Mut Ins Co of NE | $301 |
| Progressive | $321 |
| Nationwide | $330 |
| Shelter Insurance | $402 |
| Iowa Farm Bureau | $406 |
| State Farm | $469 |
| Allstate | $658 |
| USAA* | $277 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Nebraska
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Nebraska, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $1,193 |
| Nationwide | $1,216 |
| Shelter Insurance | $1,647 |
| Farmers Mut Ins Co of NE | $1,910 |
| Progressive | $1,964 |
| State Farm | $2,344 |
| Geico | $2,372 |
| Iowa Farm Bureau | $2,430 |
| Allstate | $2,621 |
| USAA* | $1,328 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Nebraska by driving history
In Nebraska, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Nebraska, drivers with a history of such violations typically pay $732 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Nebraska
If you’ve got a speeding ticket on your Nebraska driving record and need affordable car insurance, Nationwide might be the answer. With an average annual rate of $1,295, Nationwide offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Nebraska.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,062 | $1,295 | 22% | $233 |
| Geico | $1,368 | $1,474 | 8% | $106 |
| Auto-Owners | $1,226 | $1,611 | 31% | $384 |
| Allstate | $1,747 | $1,908 | 9% | $161 |
| State Farm | $1,806 | $1,942 | 8% | $137 |
| Farmers | $1,881 | $2,471 | 31% | $591 |
| Progressive | $2,193 | $2,683 | 22% | $490 |
| Auto Club Enterprises (AAA) | $4,047 | $6,011 | 49% | $1,964 |
| Automobile Club of MI (AAA) | $4,530 | $6,289 | 39% | $1,759 |
| USAA* | $1,170 | $1,456 | 24% | $285 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Nebraska
CarInsurance.com analyzed insurance rates for Nebraska drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,942. Nationwide is the second-cheapest insurer at an average of $2,152 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 42% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,806 | $1,942 | 8% | $137 |
| Nationwide | $1,062 | $2,152 | 103% | $1,089 |
| Allstate | $1,747 | $2,240 | 28% | $493 |
| Progressive | $2,193 | $2,399 | 9% | $206 |
| Auto-Owners | $1,226 | $2,518 | 105% | $1,291 |
| Farmers | $1,881 | $2,566 | 36% | $685 |
| Geico | $1,368 | $4,581 | 235% | $3,213 |
| Automobile Club of MI (AAA) | $4,530 | $8,082 | 78% | $3,552 |
| Auto Club Enterprises (AAA) | $4,047 | $8,095 | 100% | $4,048 |
| USAA* | $1,170 | $2,416 | 106% | $1,245 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Nebraska after an at-fault accident
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $1,467 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,818.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,226 | $1,467 | 20% | $240 |
| Nationwide | $1,062 | $1,818 | 71% | $756 |
| State Farm | $1,806 | $2,079 | 15% | $274 |
| Allstate | $1,747 | $2,432 | 39% | $685 |
| Farmers | $1,881 | $2,679 | 42% | $798 |
| Geico | $1,368 | $2,842 | 108% | $1,474 |
| Progressive | $2,193 | $3,347 | 53% | $1,154 |
| Auto Club Enterprises (AAA) | $4,047 | $5,098 | 26% | $1,051 |
| Automobile Club of MI (AAA) | $4,530 | $5,503 | 21% | $973 |
| USAA* | $1,170 | $1,738 | 49% | $568 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Nebraska
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Nebraska, Lincoln stands out as the city with the lowest auto insurance rates, at an average of $1,668 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Nebraska with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Lincoln | $1,668 |
| La Vista | $1,722 |
| Papillion | $1,723 |
| Melia-Forest City | $1,723 |
| Springfield | $1,724 |
| Fremont | $1,740 |
| Plattsmouth | $1,749 |
| Laurel | $1,750 |
| York | $1,750 |
| Aurora | $1,753 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Nebraska?
By comparing car insurance quotes, you can save an average of 38% per year for a full coverage policy in Nebraska.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Nebraska: Save on premiums
In Nebraska, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Nebraska below.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 3% | $45 |
| Daily commute | 8% | $138 |
| Days advanced purchase | 7% | $156 |
| Days per week driven | 5% | $95 |
| Education | 4% | $94 |
| Electronic funds transfer | 2% | $62 |
| Homeowner | 4% | $93 |
| Lower annual mileage | 6% | $167 |
| Loyalty – years renewal with company | 6% | $132 |
| Marital status | 7% | $164 |
| Multi policy | 7% | $147 |
| Paperless/electornic documents | 3% | $63 |
| Payment type | 9% | $192 |
| Primary use | 11% | $207 |
| Profession | 12% | $391 |
| Safety devices | 3% | $82 |
| Telematics | 10% | $335 |
| Years insured | 22% | $687 |
| Years licensed | 27% | $1,077 |
Final thoughts on cheap car insurance in Nebraska
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in Nebraska for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Nebraska, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Nebraska for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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